Satisfying compliance demands as well as demands from examiners are a focus of much strategic discussions at credit unions these days.

Automating regulatory compliance and risk management has long been touted as a way to help, but even as it extends in to the mobile channel, it hasn't replaced the human touch, some credit union managers and consultants say.

In fact, the marriage of high tech and high touch has made for some perhaps ironic tasks, such as at the $79 million Northern Hills Federal Credit Union in Sturgis, S.D., where compliance officer Jill Westendorf finds herself using software to prep the forms that she then prints out and piles into a box for when NCUA examiners visit.